BlastPoint's Banking Scorecard

First State Bank of Burnet

$100M-$1B Specialty: Commercial TX FDIC cert 11557

Burnet, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +1.5% year over year ($289.0M on the books).
Delinquency rate 0.14%.
Return on assets 1.61%.
Efficiency ratio 56.38% vs a 64.48% peer average.
Loan-to-deposit ratio 61.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

First State Bank of Burnet has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 14.15% above tier average
+ ROA 0.29% above tier average
+ Efficiency Ratio 8.10% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.3% in tier
- Net Interest Margin 0.09% below tier average

Get updates when First State Bank of Burnet releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$325.8M +2.9% YoY -1.6% QoQ	-$60.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$178.2M +20.0% YoY -3.2% QoQ	-$80.2M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$289.0M +1.5% YoY -2.1% QoQ	-$37.8M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	1.61% +20.1% YoY +9.6% QoQ	+0.29%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	3.89% +13.2% YoY +4.4% QoQ	-0.09%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	56.38% -7.8% YoY +0.5% QoQ	-8.10%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	68%
Delinquency Rate ?	0.14% +703.2% YoY	-0.78%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	61.66% +18.3% YoY -1.0% QoQ	-16.29%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	36.18% -7.9% YoY -2.3% QoQ	+14.15%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 8.4% in tier
Nonperforming Asset Ratio ?	0.07% +837.3% YoY	-0.59%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	12.53% +4.2% YoY +0.5% QoQ	-3.38%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.12% +1.4% YoY +108.6% QoQ	-0.45%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	36.2% -3.1pp YoY -0.8pp QoQ	+14.0pp	22.1%	29.2%	22.2%	92%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	13.3% +1.6pp YoY -0.2pp QoQ	+1.7pp	11.6%	14.8%	12.5%	69%
CRE	52.6% -4.7pp YoY +0.8pp QoQ	+13.0pp	39.5%	48.4%	41.4%	74%
1-4 Family	22.2% +3.6pp YoY +0.6pp QoQ	-10.4pp	32.6%	25.8%	31.3%	35%
Consumer	2.5% -0.4pp YoY +0.2pp QoQ	-1.6pp	4.1%	4.7%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	12.5% +0.5pp YoY +0.1pp QoQ	+0.4pp	12.2%	12.6%	12.6%	70%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	44 +4 (+10.0%) YoY +3 (+7.3%) QoQ	-15	58	186	482	46%
Assets per Employee ($)	$7.4M -6.5% YoY -8.3% QoQ	-$114K	$7.5M	$10.1M	$8.8M	59%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY	-0.2pp	0.3%	0.3%	0.4%	56%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	0%
Allowance Coverage	6.58x -87.8% YoY -97.9% QoQ	-17.57x	24.15x	18.82x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	14.9% +0.5pp YoY +1.1pp QoQ	+2.7pp	12.2%	13.2%	11.6%	67%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.6%	1.7%	9%
Net Income ($, YTD)	$2.6M +25.6% YoY — QoQ	+$78K	$2.6M	$15.9M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#243 of 1256 • Bottom 19.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

224

Non-Interest-Bearing Deposit Share

funding

Value: 36.18%

Peer Median: 22.03%

#224 of 2643 Top 8.4% in $100M-$1B

508

Loan-to-Deposit Ratio

liquidity

Value: 61.66%

Peer Median: 77.95%

#508 of 2643 Top 19.2% in $100M-$1B

Top Weaknesses (1 metrics)

1988

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#1988 of 2643 Bottom 24.8% in $100M-$1B